推荐回答(5个)
社保即社会保险,它是国家实施的广覆盖、低保障的福利性政策,包含养老保险、医疗保险、失业保险、工伤保险、生育保险五项。如果你有工作单位,那么通过工作单位缴纳社保,由单位和个人按比例共同承担,单位占大头,个人占小头。
社保五险的作用通俗地说给你听:
养老保险:退休工资
医疗保险:医疗报销,大病统筹
生育保险:女人可以在生产期间费用报销、领取补贴,男人生育结扎、生殖健康等享受费用报销和津贴
失业保险:失业时可拿一定时间的失业救济金
工伤保险:出了工伤时给予补偿
所以,社保是保障的基础,当然要先参加。至于你所说的平安人寿保险它属于商业保险,保险公司是经营主体,你要了解社保和商保之间的关系:社保是基础,商业保险是有益补充。
购买商业保险的一般原则:
1、先大人,后小孩
2、先保障,后理财
3、投保顺序一般为:意外、寿险、重橘迟疾、医疗、教育或养老
4、年保费支出为年收入的10-20%
5、不一定一次购买到位,意外险可以全家都买,其他的看经济条件先给家庭支柱则伍裂购买,再逐步完善
希望对您有所帮助!
为了获得一份科学合理的保险规划,建议你参考上述投保规则通过第三方保险中间站(不属于任何保险公司,不销售任何保险产品,而是为保险买卖双方搭建的交流互动平台)的“保险招标”功能,按照设定的科学流程,匿名发布你的保险需求,可以获得当地各孙闭大保险公司的不同代理人给你妈妈定制的保险方案,自己客观比较选择,也不会受到无谓的打扰,主动选择中意的代理人。
社保的全称是社会保险,是政府行为,归属劳动保障部中渗门管理,是强制性的,即单脊码位和个人必须参加;平安人寿保樱培哪险属于商业保险,协议性质的,双方自愿。
社保是到达退休年龄按月领取养老金,寿险是人过世后将理赔金赔付给保险受益人
社保是社空敬会保障措施的体现,也是带有社会福利性的,它会随着每年社会平均工资来调整,以保证参保人员的利益斗禅慎.
平安人寿等是纯粹的商业保险,一旦选定那么在约定期限内就不能再更改.有可能在袭森长期以后保户利益缩水.
社保是社会保障局来统筹收取下发,泰康、平安、国寿新华等都是商业保险
没有可比性。
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